Tag: Credit Reporting

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The three nationwide consumer reporting companies – Equifax, Experian, and TransUnion – today announced the Web address, toll-free telephone number, and postal address consumers can use to request a free annual credit report. Beginning December 1, 2004, consumers in 13 Western states will be able...
Following a public comment period, the Federal Trade Commission has issued final summaries of identity theft and general consumer rights and revised furnisher and user notices under the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act of 2003 (FACTA). Consumer...
The Federal Trade Commission is seeking public comment on different approaches to determining a “fair and reasonable” fee for credit scores under the Fair and Accurate Credit Transactions Act (FACTA) and the Fair Credit Reporting Act (FCRA). FACTA, which was enacted on December 4, 2003, amends the...
The Federal Trade Commission is seeking public comment on a proposed rule regarding the proper disposal of consumer report information and records under the Fair and Accurate Credit Transactions Act (FACTA) and the Fair Credit Reporting Act (FCRA).
The Federal Trade Commission today announced a proposed settlement with a California-based debt collection agency, Performance Capital Management, Inc. (PCM), under which the company would be fined $2 million and enjoined from what the FTC called "serious violations" of Section 623 of the Fair...
Unicor Funding, Inc., a California-based marketer of federally insured home improvement loans ("Title 1" loans), has agreed to pay a civil penalty of $100,000 for allegedly violating the Fair Credit Reporting Act (FCRA). The company also has agreed to settle FTC charges that it deceptively...

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